Are the recurring nightmares that the questioner sees in her sleep, which involve fear of scary people in her house despite her seeking refuge in Allah and reciting Ayatul Kursi, merely nightmares or do they have another meaning?

If you recite Ayat al-Kursi before sleeping, no devil will approach you until morning, and what happens to you are merely nightmares that cause no harm. We advise you not to sleep alone, to consistently recite the prescribed dhikr and ta'awwudhat (supplications for protection), to recite Surah Al-Baqarah with certainty and presence of heart, and to have a good opinion of Allah.