To make your website files available in your website, put them in the directory named public_html which is located in your home directory here:
(do not use the 'www' folder, this simply links to the public_html folder)
The file that will be the default page shown when someone goes to just your domain name, or just to a directory, must be named index.html, index.htm, default.html or default.htm to be shown by default.
No files will be served directly from the /home/username directory. All webpages are served from inside the public_html directory. Content for subdomains should be uploaded into the appropriate 'subdomain' folder inside the public_html folder.