I guess I’m going to “judge” your cover! Hopefully this will help. I’ve been certified as a graphic designer, so I sincerely hope it does, but the first thing that I notice when looking at this cover, and the only thing that my eyes want to focus on, is the people. I have to physically move my eyes up and down the cover to see the rest of the image. It blends beautifully into the background, and it’s very romantic, but when Wattpad is filled with cover images with people in the same position it doesn’t make your cover stand out.
2nd, you want your title to stand out too. Because of the color it is, that makes it very difficult and some of the words blend into the background.
3rd. I could barely see your name up at the top. If it were black, it would be much easier to see, but because it’s this really pretty, light blue, I just can’t see it at first glance.
If you had to change your cover in anyway, (not saying you have to. That’s entirely your choice.) I would work on the contrast in the upper part of the background, change the color of the “snowed in Honeymoon” to the color of the cottage so that it’s matching, and then either move your name or change the color of it.
[EDIT: So I just realized I was supposed to include a score??? I hope you don’t mind but I’m not going to do that. Slapping a number on something like that is superficial and biased and doesn’t help you in anyway. So I’d rather just leave my advice as it is. :D)