Apache’s mod_userdir allows users to view their sites by entering a tilde (~) and their username as the URI on a specific host. For example http://test.cpanel.net/~fred/ will bring up the user fred’s domain. The disadvantage of this feature is that any bandwidth usage used by this site will be put on the domain it is accessed under (in this case test.cpanel.net). mod_userdir protection prevents this from happening. You may however want to disable it on specific virtual hosts (generally shared ssl hosts).

Enable mod_userdir Protection
Host Exclude Protection Additional Users
DefaultHost (nobody)
cpanelexample.com (example)