Choosing the right homeowners insurance policy is crucial when purchasing a home with a mortgage in Boston. Here are some factors to consider:

1. Understand the coverage options: Homeowners insurance policies typically offer various types of coverage, such as dwelling coverage, personal property coverage, liability coverage, and additional living expenses coverage. It's important to understand what each coverage option entails and determine which ones are necessary for your specific needs.
2. Evaluate the dwelling coverage: Dwelling coverage protects the structure of your home. When choosing a policy, make sure the coverage amount is sufficient to rebuild your home in case of a total loss. Consider factors like the size, age, and construction materials of your home to determine an appropriate coverage limit.
3. Assess personal property coverage: Personal property coverage insures your belongings against damage or theft. Take an inventory of your possessions and estimate their value to ensure the coverage limit is adequate. Some policies may have limits on certain types of valuable items, so consider additional coverage or endorsements if needed.
4. Consider liability coverage: Liability coverage protects you if someone gets injured on your property and sues you. It's advisable to have liability coverage that is sufficient to protect your assets. A standard policy typically provides a minimum of $100,000 in liability coverage, but higher amounts may be necessary depending on your circumstances.
5. Review additional living expenses coverage: Additional living expenses coverage helps with temporary living costs if your home becomes uninhabitable due to a covered event. Ensure the policy provides enough coverage for accommodations, meals, and other necessary expenses during the rebuilding or repair process.
6. Compare quotes from multiple insurers: It's wise to obtain quotes from multiple insurance companies to compare coverage options and premiums. Consider factors like the insurer's reputation, customer service, and financial stability when making your decision.
7. Check for additional endorsements or riders: Depending on your needs, you may require additional endorsements or riders to customize your policy. For example, if you live in an area prone to floods or earthquakes, you might need separate coverage for these perils.
8. Consult with professionals: Don't hesitate to seek advice from insurance agents, mortgage lenders, or real estate professionals who can provide guidance based on their expertise and knowledge of the local market.

Remember, every homeowner's insurance policy is unique, so it's crucial to carefully review the terms, conditions, and exclusions of any policy you consider. Additionally, be aware of any deductibles and the process for filing claims.

For more detailed information, you can refer to resources such as the Massachusetts Division of Insurance or consult with insurance professionals who specialize in homeowners insurance.