Disclaimer: This is a tip I received from tech support that my designer asked, and I'm simply passing it on to the forums. If you want to know why I'm doing this, read here:
http://forum.x-cart.com/showthread.php?t=42824. I'm not a web designer/developer, and I don't know anything about programming the back-end of X-Cart. My version of X-Cart is 4.1.10, so this tip may not work if you use a different version. If you have any questions about this tip, I can't answer them, but reply anyway and hopefully someone more knowledgeable will respond.
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Rename or remove the 'index.html' file in order to direct customers straight to the 'home.php' script.