What do insurance companies require to consider a fireplace inoperational?

[Karolina Powell]

I'm looking at a home that has a fireplace.  The look is nice but I don't want renters to be able to use it.  I also don't want to pay high insurance rates because there is a fireplace.  What are some inexpensive things I can do so that insurance won't hike my rates for a fireplace but maintain it nice aesthetically?