Abstract: The coating plays an important role in the surface modification of the fiber and adjusting the interface residual stress, which has a great influence on the macro performance. In order to accurately predict the effective properties and local field distributions of coating-fiber reinforced magneto-electro-elastic (MEE) materials under a multi field environment, a homogenized micromechanical model was established based on variational asymptotic method. Starting from the total electromagnetic enthalpy of inhomogeneous continuous media, the micromechanical model of multi physics field was converted to the minimization of total electromagnetic enthalpy under confined conditions by using the characteristics that the microscale of the material is much smaller than the macroscopic scale. In order to analyze the general microstructure of intelligent materials in engineering applications, the finite element method was used to implement the numerical simulation of the model. By comparing with the result of finite element analysis, the results show that the model can accurately predict the multiphysics behavior of coating-fiber reinforced MEE materials. The coatings with different thickness and stiffness have a great influence on the stress concentration and effective properties. Meanwhile, many interesting electro-magnetic interaction phenomenen are revealed, which are useful for the performance prediction and optimization of coating-fiber reinforced MEE materials.