I'm not sure if this would work, but could you call her and tell her that you are really worried about this coin and are convinced that someone has broken in and stolen it.
Could you then invite her to help you look for it, as you have searched the whole house over and just need a second pair of eyes to make sure you haven't missed it because you are upset and as she knows what it looks like she would be of immense help. If she hasn't taken it, then I'm sure she would happily come over to help you look, otherwise if she has then maybe this will give her a chance to miraculously 'find' it down the back of something.
If you really wanted to frighten her you could tell her that once you are convinced it isn't in the house you will have to call the police to report the theft which is why you want to check everywhere in the house first to make sure that it hasn't fallen or been put somewhere.
I agree that it is difficult to outright accuse someone of theft, so be sure that you really believe that if you decide to go down that route.
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