I would never ever check in my camera gear. That is simply to much risk and the insurance doesn't cover it - you would need to buy a special insurance for that and that would probably be very expensive since bags are frequently lost or even stolen.
We are talking about thousands of dollars of gears for any keen photographer so checking it is simply not an option. And it is not only the cost of the gear - you would loose photographic time to. If you travel somewhere with your gear, you are probably going to use it. If your gear is stolen or lost, that possibility is lot. Your planned photographing isn't going to happen - so that is also a lost value. And replacing the gear also takes time, you will in most cases need to order it and that will take weeks. That is also lost value. If you are a professional that could break you economically.