If you use a database to verify logins, then simply store the home directory in the database, and redirect them to that directory (which hopefully has an index.php in it, right?). Also, your user authentication routine that goes at the top of every page you design should check to make sure that the directory they are currently in is a child directory of the user's home directory. If not, redirect them to their home directory. This will take care of malicious users that think they can type in an address directly.
Of course, this level of security does not take care of true directory permissions. For example, the user could still browse any directory that isn't secure and doesn't have a default page. Any page without user authentication code will be accessible, and a user could download any non-php file or page.