Female garment only covering top of thighs (5)
I believe the answer is:
stole
'female garment' is the definition.
'stole' can be an answer for 'garment' (shawl-like garment). I am not certain of the 'female' bit.
'only covering top of thighs' is the wordplay.
'only' becomes 'sole' (synonyms).
'covering' is an insertion indicator.
'top of' indicates taking the first letters.
The first letter of 'thighs' is 't'.
'sole' placed around 't' is 'STOLE'.
Can you help me to learn more?
(Other definitions for stole that I've seen before include "Item of clothing" , "Nicked - wrap" , "Woman's scarf worn about the shoulders" , "Pinched; wrap" , "Garment; took unlawfully" .)