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The browser looks for those pages by default if just a directory name (not the full URL including page name) is specified by the person looking at the site.
File names should not have spaces in them as this breaks in some browsers, underscores are also not easy to read, and you are best off having all file names all in lower case as well.
With content negotiation you don't even have to specify the .html or .htm filename extension. You could just name the file as index which means your site becomes transparent to technology changes from using static HTML pages to changing over to asp or php or other server-side languages.
"...The browser looks for those pages by default if just a directory name (not the full URL including page name) is specified by the person looking at the site..."
Its the server which serves up the default page, not the browser which looks for it. If the server is configured incorrectly, as is the case with The_Hat's problem, then when a browser goes looking for www.domain.com, the page served will be www.domain.com/home%20page%20index.htm
"... doubt the hosting co. is going to change up os's just for me..."I don't see any issues. This is a configuration setting on the webserver, and it is settable individually for each website being hosted, if you are being hosted on a shared machine.
"...is that going to cause a severe disruption in the way the search engines see it or not..."Once you have changed the server config, and renamed your "home page index.htm" to "index.htm", put a "permanent redirect" to make "home page index.htm" point to "index.htm".
Shawn
Your hosting company should do this for you without problem.....it is a 2 minute job.
Webboy