If the cover art depicts a girl or woman, you will either be saving her or collecting her for your
harem party. You will not be playing as her.
If the game does let you play as a female character, you will not be romancing any other girls. Unless you're playing Fire Emblem Fates: Conquest, in which case you have one token GxG romance option.
Vita games and the queer indie games scene have spoiled me. And so has yuri as a "genre." Not because I don't like guys and agender people too, but because video game hetero romances tend to feel creepy to me for some reason.
On that note, Fate/EXTELLA for Vita and PS4 is now my favourite game ever. And is extremely gay. ^^;;