Denise Hardman, CLU, LUTCF

I’ve been helping people “live safer, more secure lives” by providing insurance in California for over 21 years. I live in Encinitas, California with my husband and two children. I am a graduate of the University of Michigan, and have served on numerous Board of Directors in our community including the Encinitas Chamber of Commerce, the Encinitas Educational Foundation, Park Dale Lane PTA, Flora Vista PTA, Southern California Tech Teachers, and the Referral Exchange of San Diego. I have earned the distinction of becoming a member of Liberty Mutual's top sales clubs, Liberty Leaders and Liberty Life Leaders. I can assist you in learning about complete coverage plans designed to protect you, your home, and your automobile. Please contact me to learn more.