Dominion Lending Centres - Tracy Valko and Valko Financial Ltd FSRA #13717
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General Insurance BrokerDominion Lending Centres - Tracy Valko and Valko Financial Ltd FSRA #13717Kitchener, ONDominion Lending Centres - Tracy Valko in Kitchener, ON is a highly-rated insurance broker serving clients with professional financial services. With a 4.9/5 rating from 546 reviews, we're committed to your financial success.
Additional Information
Valko Financial Ltd is a mortgage brokerage in Waterloo, Ontario offering personalized mortgage solutions including pre-approval, refinancing, renewal, debt consolidation, and reverse mortgages. The firm works with a network of lenders to provide competitive rates and serves first-time homebuyers, self-employed individuals, newcomers to Canada, and those navigating life transitions.
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Team of 9 · Serving Waterloo Region, Ontario, Canada
Additional information extracted from the firm's public website. Last updated: August 6, 2026
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Claim This ListingFrequently Asked Questions
What's the difference between an insurance broker and an agent?
A broker works for YOU — they shop multiple insurance companies to find the best coverage and price. An agent works for ONE insurance company and can only sell that company's products. Brokers can compare 10-20 insurers at once, saving you time and usually money.
Does an insurance broker cost more in Kitchener?
No — brokers are paid by the insurance companies through commissions, not by you. The price you pay for insurance is the same whether you go through a broker or directly to the insurer. But brokers often find better rates because they can compare multiple companies.
When should I use an insurance broker?
Use a broker when: you're buying a home, getting your first car insurance, starting a business, your renewal went up significantly, you've had claims and need help finding coverage, or you simply want someone to shop the market for you.
Can a broker help if I've been denied coverage?
Yes. Brokers have access to specialty markets and high-risk insurers that aren't available to the public. If you've been denied by one company — due to claims history, driving record, or property issues — a broker can often find coverage elsewhere.
How often should I review my insurance?
At least annually at renewal time. Also review whenever you: buy or sell a home, get a new vehicle, start a business, get married or divorced, have children, or make major purchases. Your broker should proactively reach out at renewal to review your coverage.