A "capped" price, or ceiling price, is a maximum price per gallon a customer will pay regardless of market fluctuations. If a customer account has a price cap set, the customer will pay the regular retail price if it is lower than the cap price. When prices rise, they will pay up to the cap price but no higher. Without price cap insurance protection, there is no limit to the potential price increases a customer may see. Customers may purchase price cap insurance regardless of whether they are on a budget or not but traditionally this program is not offered after September 1st of each year. Click to see frequently asked questions about this program.

To provide this service, White Mountain Oil & Propane must pay for price protection insurance when purchasing fuel in the futures market. In recent years the cost of this insurance has increased dramatically, making it necessary to charge for price protection guarantees.