Let $X$ be a finite CW complex. Swan's theorem provide an equivalence $$ {\rm Vec}(X)\xrightarrow\sim{\rm ProjMod}(\mathop{\rm hom}\nolimits_{\rm Top}(X,\mathbb{R})) $$ between the category of finite dimensional vector bundles over $X$ and the category of finitely generated projective modules over the ring of continuous functions from $X$ to the reals. This isomorphism behaves well with the monoidal structure $\oplus$.
There is an intermediate step in this construction: The category ${\rm Vec}(X)$ of finite dimensional vector bundles over $X$ is equivalent to locally free modules of finite rank over the sheaf $C_X(-)=\mathop{\rm hom}\nolimits_{\rm Top}(-,\mathbb{R})$ on $X$.
The category ${\rm Cov}(X)$ of covers of $X$ is equivalent to the category of locally constant sheaves of sets on $X$. Is it possible to formulate this analogously to the above correspondence? So maybe locally constant sheaves are somehow special modules over $C_X(-)$ and this category possibly corresponds to some special modules over $C_X(X)$. Maybe this is also compatible with disjoint unions of coverings and sums of the corresponding modules. Maybe it is also necessary to require that the covering is regular.
(The bold things are edits made, partially based on the answers below.)