The term 'HAT OR BELT' can be summarized as an ACCESSORY, which is a nine-letter word. Accessories are items that are worn or carried to complement an outfit, such as hats, belts, jewelry, scarves, and sunglasses. Hats and belts are two of the most common accessories, and they are often used to complete an outfit. Hats come in a variety of styles, from baseball caps to fedoras, while belts are typically made of leather or fabric and are used to hold up pants or skirts.