Is suexec configured with docroot set to /home? Check by looking at the output of:
suexec -V
If it’s not, you’ll need a new Apache package built with suexec docroot set to home. If this system was installed using our scripts this should have already been done for you…if not, I’ll need to know the OS and version you’re using, so I can figure out what’s going wrong. (Even if it wasn’t installed via install.sh, we may be able to provide the package you need…depending on OS and version, again.)