Does the "home.html" page have products and any categories listed? If not, it doesn't make much sense, as it is the same as having the customer go to the default x-cart "enter store"(index.html) page.
To answer your question....
in skin1/location.tpl
find
{if $location[position].1 ne "" }<a href="{$location[position].1|amp}" class="NavigationPath">{/if}
and change it to read
{if $location[position].1 ne "" }{if $location[position].0 ne $config.Company.company_name}<a href="{$location[position].1}" class="NavigationPath">{else}<a href="YOUR HOME.HTML" class="NavigationPath">
{/if}{/if}
Changing "YOUR HOME.HTML" to the url of the html page you want. Please note I have not tested this, but it should work.