There is an article in the cruisereviews site on travel insurance which you should read. Basically, you get what you pay for. I really recommend you read the article and talk with your TA about what to purchase.
Good for you, for deciding to fly into Orlando the day before. As Port Canaveral is quite a distance from Orlando, I'd suggest purchasing the transfers from the cruise line, assuming they are available for you to do that. And stay overnight in a hotel that has a free shuttle to/from the airport; that should simplify matters, as nearly all the transfers to the port will leave from the airport.