Dreaming about a new bunk bed in a new house often symbolizes new beginnings or changes in your life. The bunk bed itself can represent shared experiences or relationships, particularly with family members, since you mentioned your cousins and sister.

Feeling scared to sleep and the need to protect your smaller bed may indicate feelings of insecurity or vulnerability in your waking life. You might be experiencing a sense of competition for attention or resources, especially within your family or social circle.

This dream could reflect feelings of being overshadowed by others or concerns about not having enough space or recognition for your own needs and desires. It might also suggest a desire for comfort and safety in new situations.

Consider reflecting on your current relationships and any changes in your life that might be causing these feelings. Finding ways to assert your needs and communicate with those around you could help alleviate some of the fears represented in your dream.