Do you have UserDir public_html in your httpd.conf file? If so, does the user that Apache is running as (the User and Group settings) have permissions to view the contents at /home/username/public_html? You'll probably need permissions of 0755 on each of /home, /home/username and /home/username/public_html.
Also, make sure that the rest of the files/directories under /home/username don't have permissions set that anyone else can view them.
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