When you purchase Tefilin, the Tefilin Shel Yad has a protective cover. Why? Is it Halachically necessary?
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(D'varim 6:8) וּקְשַׁרְתָּם לְאוֹת עַל יָדֶךָ
From this פסוק it is understood that the arm t'filin should serve "as a sign for you" in the sense of "exclusively for you", in which case they should not be exposed to the rest of the world while worn. The head box, on the other hand, is
(ibid.) וְהָיוּ לְטֹטָפֹת בֵּין עֵינֶיךָ
which is understood to mean "to be seen", and therefore has no such need.
The Ram"a is not concerned about the specific requirement to cover them. Although he does hold of the need for exclusivity, he holds that it is achieved through placement on the arm, and nothing more (O.C. 23:11). Others hold, based on teaching of the Ariza"l, that mystical concerns overtake this lack of necessity anyway because the t'filin need to be worn modestly - even if noone else is around.
I am a Sofer Stam and I can tell you that although there is an inyan in Kabbalah to cover the tefillin shel yad, that is not the reason for the plastic cover. It is to protect the corners of the bayit from getting worn down from years of rubbing against your clothing.
In places where there is Birchat Cohanim every day, some Cohanim put a similar cover on their shel rosh for Birchat Cohanim so the rubbing of the Tallit doesn't wear down the corners.
From my research, it seems Jake is correct.
I looked into this inyin a couple years ago when helping write a Bar Mitzvah pshetl on the subject of the Shel Yad being covered and the Shel Rosh being uncovered.
At the time I heard from both my Rov as well as from a Sofer (who is also a Talmud Chochom) that the requirement to cover the Shel Yad (as WAF correctly mentioned and sourced, herein) should be met by using one's shirt, jacket or Tallis and that the purpose of the small, black Shel Yad cover that comes with the Tefilin is simply to protect the Shel Yad and to prevent its squareness from being compromised precisely due to it otherwise rubbing against one's shirt/jacket/Tallis.
It seems that this is apparent from the fact that often (if not always) the small, black Shel Yad cover that comes with the Tefilin has a hole in it and so does not completely/properly cover the Tefilin box as is required. On this last note, I was told that purpose of the hole is so one can easily access/touch the actual Bayis of the Shel Yad (not just its cover) as required at various points during davening (e.g., when saying the words "ukshartem l'os al yadecha" in Shema) without having to remove the protective cover.
A simple answer would be to protect the corners of the Tefillin, so that they don't accidentally get knocked into something and possibly disqualified, since the Tefillin must be as square as possible (See here and here).
However, this doesn't answer why we don't have a protective covering for the Shel Rosh as well, since it too must be square.
And all the peoples of the earth shall see that the name of the Lord is called upon thee, and they shall be afraid of thee" (Devarim 28:10) and it has been taught: R. Eleazar the Great says that this refers to the phylactery of the head.
The Beis Yosef says that the Shin on the Tefillin Shel Rosh represents G-d's Name, which is referenced in the Passuk.
Many do cover the Tefillin Shel Yad, by contrast, based on the sources found here. It is possible that the protective cover is considered enough of a covering by some people. From what I've seen however, most people who are careful to cover it, do so with their shirt (even if they have a protective cover for their Shel Yad).
The general explanation given by @WAF is correct, but from what I have heard, the Pasuk from which it is learned that specifically the Tefillin Shel Yad are "exclusively for you" is a different one, namely Exodus 13:9 :
וְהָיָה לְךָ לְאוֹת עַל יָדְךָ וּלְזִכָּרוֹן בֵּין עֵינֶיךָ לְמַעַן תִּהְיֶה תּוֹרַת ה' בְּפִיךָ כִּי בְּיָד חֲזָקָה הוֹצִאֲךָ ה' מִמִּצְרָיִם
Sorry, but I do not have the source for this right now.