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Meet Our Team

Rich Howes


Rich grew up in Columbus, Ohio but has been a Florida resident for the past 17 years. He initially moved down in1999 to launch his career in the insurance industry, but now has a passion for everything the Sunshine State has to offer.

With 17 years under his belt, Rich has helped businesses and individuals with all aspects of their insurance needs. He especially enjoys teaching his customers about the different coverages to fit their needs best.

Ask anyone, and Rich loves to fish! He has fished professionally in the Bassmaster series and works with youth anglers to help promote the outdoors. Also, he is a huge fan of collegiate sports.

During the weekends, Rich will spend it with his beautiful wife and daughter or on the lake, or maybe both at the same time.

Fun fact about Rich is that he played the guitar and sang for a living. He also does fundraising for the Paley Foundation which helps kids that have been born with severe limb deformities, like his daughter.

Larry Howes


Larry grew up in Akron, Ohio and attended Ohio State University and the University of Cincinnati Music Conservatory for undergraduate and post graduate degrees.  His last position in that field was the Director of Choral Activities at Delta State University in Mississippi.

Then he joined the insurance industry in 1983 after having a 16-year career as a music conductor/educator. Having been a teacher for so many years, Larry enjoys continuing to educate others about insurance and how he can help them keep a peace of mind.

When not in the office, you’ll find Larry playing golf or on a boat fishing, and reading a perfect mystery novel. He also loves anything associated with The Ohio State University Football Team.

Larry helps his community by supporting and working with the Oviedo Police Foundation as they support the local police department.

Lisa Lopez

Office Manager

Lisa grew up in a small town in Orange County New York. It was only 50 minutes from downtown Manhattan.

She now lives in Florida and has been in the insurance industry for 17 years, but has been building customer relationships and providing exceptional customer service for over 25 years. Lisa finds it rewarding making a difference and impacting her customer’s everyday lives!

Lisa loves being a mom! She likes sharing about her son Antonio, who is on the Autism Spectrum. Lisa loves working with young adults on the Autism Spectrum by teaching them how to cook, which is another one of her passions.

“There is nothing more rewarding than seeing them smile with accomplishment when they cook a meal on their own.” – Lisa Lopez

When not working, Lisa likes taking her chihuahuas to the dog park then to Jeremiah’s for some doggie ice cream. She also enjoys SHOPPING on the weekends. One of her favorite stores being Home Depot.

Lisa likes to volunteer her time in Autism Speaks, which is a non-profit that is near and dear to her heart. She also volunteers for Compassion International when they’re in town.

Kendrick Nieves

Sales Producer

Kendrick grew up in Orlando, Florida and after graduating high school, he received an opportunity to obtain his 440 producer license. Since then, he has been a part of the insurance industry. Kendrick is currently enrolled in Valencia Community College working on a business marketing degree.

Being a part of the insurance industry since he was 16 years old, Kendrick enjoys interacting with his customers on a daily basis. He loves to hear their life stories which then helps him find gaps in their insurance needs.

“Every sale still feels like the first to me. The opportunity I receive to work with Rich, Larry, Lisa, and the rest of the staff is amazing. Makes coming to work feel like home.
” – Kendrick Nieves

Kendrick enjoys visiting Comic/Anime conventions or beating his friends on his favorite video games.

Fun fact about Kendrick is that he loves singing to himself. He also likes working with kids, like the Healthy Kids Foundation.

Janice Elder

Customer Service Representative

Janice grew up in Oklahoma City, Oklahoma and worked in the Banking Industry for 28 years. She then moved to Florida in 2009.

Since then, Janice has worked in the insurance industry. She enjoys the fact that she is always learning something new and that she helps customers along the way.

Janice loves exploring new places, and if not watching a good movie, she will be found looking for a quaint little town to visit.

It is her hope to be involved with the Rescuing of Animals and would like to one day work for an Animal Rescue Organization.

Dyneene Howes

Office Manager

Dyneene grew up in Columbia, South Carolina and loves the Carolina Gamecocks!

Dyneene has been in the property & casualty insurance industry since 2005. Dyneene loves helping people with their insurance needs.  Most people do not understand what their coverages are so Dyneene likes educating them so they can make the right choices.

She loves living in Florida and getting to enjoy so many different beaches!  The shopping is great too!

Most importantly, she loves spending time with her three granddaughters. An animal lover at heart, Dyneene has two cats named Cody and Office Kitty and a Golden Retriever named Liberty.

Dyneene has volunteered at a hospital where she gave newborn babies hearing tests.

Athena Diaz


Athena was born and raised in San Diego CA, then moved to Florida in 1997, and worked as a make-up artist. Insurance was foreign to her, but she needed a career change and was given the opportunity to work with an amazing agency.

She has now been with Howes agency for five years. She helps customers with their as well as offer additional insurance protection. She finds it rewarding being a trusted advisor and knowing that she can give them excellent service and guidance.

Athena loves her family! She loves talking to her daughter who just graduated high school and spending time with her amazing fiancé. She could be found poolside or at the beach and does freelance makeup when she has the time.

Athena is also passionate about supporting research for children who have cancer or organizations who help bring awareness to Autism.

Omayra Rodriguez

Maria Vazquez