I have one client on a Windows server in Switzerland that also has a "home" directory which contains the www directory. It just depends on the hosting configuration. I've used UK and Dutch servers that also were configured in this manner, both CPanel and not. I think I've only run across one hosting provider that didn't allow access to a parent directory, and that was years ago.
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Personally, I wouldn't use a host that didn't give me cPanel access and wouldn't knowingly take a client on such a host. I use it all the time.