diff --git a/crates/fff-core/src/file_picker.rs b/crates/fff-core/src/file_picker.rs
index 0d6a6d624..d25158cf9 100644
--- a/crates/fff-core/src/file_picker.rs
+++ b/crates/fff-core/src/file_picker.rs
@@ -894,9 +894,8 @@ impl FilePicker {
             error!("Refusing to index filesystem root: {}", path.display());
             return Err(Error::FilesystemRoot(path));
         }
-        if !options.enable_home_dir_scanning
-            && Some(path.as_os_str()) == dirs::home_dir().as_ref().map(|p| p.as_os_str())
-        {
+        // Path equality compares components, so "~/" (as git root discovery returns it) matches too.
+        if !options.enable_home_dir_scanning && dirs::home_dir().is_some_and(|home| path == home) {
             error!("Refusing to index home directory: {}", path.display());
             return Err(Error::FilesystemRoot(path));
         }
@@ -2474,6 +2473,23 @@ pub(crate) fn hint_allocator_collect() {
 mod tests {
     use super::*;
 
+    #[test]
+    fn refuses_home_dir_with_trailing_separator() {
+        let Some(home) = dirs::home_dir() else { return };
+        for base in [home.clone(), home.join("")] {
+            let result = FilePicker::new(FilePickerOptions {
+                base_path: base.to_string_lossy().into_owned(),
+                watch: false,
+                ..Default::default()
+            });
+            assert!(
+                matches!(result, Err(Error::FilesystemRoot(_))),
+                "home dir accepted as {}",
+                base.display()
+            );
+        }
+    }
+
     /// The watcher must watch every ancestor directory up to `base_path`,
     /// not just the immediate parents of indexed files. The dir table is
     /// built from the walker's visited dirs, so pure ancestors (dirs that