Beds Blocking Windows: If your bed is directly in front of your window, opt for a non-obtrusive headboard. You don't want your headboard to be too tall and block a majority of the light coming in. Remember, they need to get along. If possible, install panels, so that they flank the bed. Try to avoid blocking your panels with your bed.
Windows Above the Bed: I recently worked with a client who had three square windows above her bed. Rather than using full-length panels (that would have been covered by the bed), we opted for pelmet boxes and roman shades similar to what's shown in the House Beautiful picture. This gives a completed look without cluttering the wall behind the bed.
Windows Flanking the Bed: This one's not as difficult, since you can install two panels on each window. The tricky part comes when there is little space between the bed and the window, and/or the bed and the wall. If this is the case, try using a light or shear panel, so that you are not blocking light. This will also help avoid window treatments that feel too heavy and compete with the headboard and/or nightstands. Another option is using a partial rod and one panel on each window. This gives the illusion of one big window and avoids a feeling of being crowded (especially if you have a headboard, panels, and nightstands to work with).
|image from House Beautiful|
|image from Atlanta Homes Mag|
|image from The Lettered Cottage|