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  <xs:element id="esnt_ReinsuranceRemainingReinsuranceInForce" abstract="false" name="ReinsuranceRemainingReinsuranceInForce" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="esnt_VariableInterestEntityReportingEntityInvolvementMaximumLossExposureAmountOnTheBalanceSheet" abstract="false" name="VariableInterestEntityReportingEntityInvolvementMaximumLossExposureAmountOnTheBalanceSheet" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="esnt_VariableInterestEntityReportingEntityInvolvementMaximumLossExposureAmountOffTheBalanceSheet" abstract="false" name="VariableInterestEntityReportingEntityInvolvementMaximumLossExposureAmountOffTheBalanceSheet" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="esnt_VariableInterestEntityReportingEntityInvolvementMaximumLossGainExposureAmount" abstract="false" name="VariableInterestEntityReportingEntityInvolvementMaximumLossGainExposureAmount" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="esnt_WildfireMember" abstract="true" name="WildfireMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="esnt_ReinsuranceRiskInForceAffectedMember" abstract="true" name="ReinsuranceRiskInForceAffectedMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="esnt_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpensePriorYears" abstract="false" name="LiabilityForUnpaidClaimsAndClaimsAdjustmentExpensePriorYears" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="esnt_DefaultLoansPeriodIncreaseDecrease" abstract="false" name="DefaultLoansPeriodIncreaseDecrease" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="esnt_ExistingCreditFacilityMember" abstract="true" name="ExistingCreditFacilityMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="esnt_A6.250SeniorNotesDue2029Member" abstract="true" name="A6.250SeniorNotesDue2029Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="esnt_LineOfCreditFacilityAccordionFeatureIncreaseLimit" abstract="false" name="LineOfCreditFacilityAccordionFeatureIncreaseLimit" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="esnt_CommonStockNumberOfVotes" abstract="false" name="CommonStockNumberOfVotes" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="esnt_ShareholderVotingRightsOwnershipPercentageThreshold" abstract="false" name="ShareholderVotingRightsOwnershipPercentageThreshold" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="esnt_MaximumNumberOfVotesCertainShareholdersUnder95PercentShareholderProvision" abstract="false" name="MaximumNumberOfVotesCertainShareholdersUnder95PercentShareholderProvision" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="esnt_MinimumNumberOfVotesOtherShareholders" abstract="false" name="MinimumNumberOfVotesOtherShareholders" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="esnt_EssentGroupLimited2013LongTermIncentivePlanMember" abstract="true" name="EssentGroupLimited2013LongTermIncentivePlanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="esnt_VestingCriteriaAxis" abstract="true" name="VestingCriteriaAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="esnt_VestingCriteriaDomain" abstract="false" name="VestingCriteriaDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="esnt_VestingBasedOnServiceMember" abstract="true" name="VestingBasedOnServiceMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="esnt_VestingBasedOnPerformanceMember" abstract="true" name="VestingBasedOnPerformanceMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="esnt_CertainSeniorManagementMember" abstract="true" name="CertainSeniorManagementMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="esnt_EmployeeMember" abstract="true" name="EmployeeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="esnt_NonvestedSharesShareUnitsOrDEUMember" abstract="true" name="NonvestedSharesShareUnitsOrDEUMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="esnt_NonvestedSharesShareUnitsMember" abstract="true" name="NonvestedSharesShareUnitsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="esnt_IncentiveProgramBonusAwardFiscalYearPerformanceMember" abstract="true" name="IncentiveProgramBonusAwardFiscalYearPerformanceMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="esnt_ShareBasedCompensationArrangementByShareBasedPaymentAwardPerformancePeriod" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardPerformancePeriod" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="esnt_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardsEarnedPercentageOfTargetSharesGranted" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardsEarnedPercentageOfTargetSharesGranted" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="esnt_DividendEquivalentUnitMember" abstract="true" name="DividendEquivalentUnitMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="esnt_VestingBasedOnServiceAndPerformanceMember" abstract="true" name="VestingBasedOnServiceAndPerformanceMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="esnt_CompoundedAnnualGrowthRateThreeYearBookValueAchieved11PercentMember" abstract="true" name="CompoundedAnnualGrowthRateThreeYearBookValueAchieved11PercentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="esnt_CompoundedAnnualGrowthRateThreeYearBookValueAchieved10PercentMember" abstract="true" name="CompoundedAnnualGrowthRateThreeYearBookValueAchieved10PercentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="esnt_CompoundedAnnualGrowthRateThreeYearBookValueAchieved9PercentMember" abstract="true" name="CompoundedAnnualGrowthRateThreeYearBookValueAchieved9PercentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="esnt_CompoundedAnnualGrowthRateThreeYearBookValueAchieved7PercentMember" abstract="true" name="CompoundedAnnualGrowthRateThreeYearBookValueAchieved7PercentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="esnt_CompoundedAnnualGrowthRateThreeYearBookValueAchieved6PercentMember" abstract="true" name="CompoundedAnnualGrowthRateThreeYearBookValueAchieved6PercentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="esnt_RelativeTotalShareholderReturnAxis" abstract="true" name="RelativeTotalShareholderReturnAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="esnt_RelativeTotalShareholderReturnDomain" abstract="true" name="RelativeTotalShareholderReturnDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="esnt_ShareBasedPaymentArrangementLessThanOrEqualTo25thPercentileMember" abstract="true" name="ShareBasedPaymentArrangementLessThanOrEqualTo25thPercentileMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="esnt_ShareBasedPaymentArrangement50thPercentileMember" abstract="true" name="ShareBasedPaymentArrangement50thPercentileMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="esnt_ShareBasedPaymentArrangementGreaterThanOrEqualTo75thPercentileMember" abstract="true" name="ShareBasedPaymentArrangementGreaterThanOrEqualTo75thPercentileMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="esnt_CompoundedAnnualGrowthRateThreeYearBookValue" abstract="false" name="CompoundedAnnualGrowthRateThreeYearBookValue" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="esnt_QuotaShareReinsuranceTransactionMember" abstract="true" name="QuotaShareReinsuranceTransactionMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="esnt_TwoThousandTwentyFivePerformanceBasedGrantsMember" abstract="true" name="TwoThousandTwentyFivePerformanceBasedGrantsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="esnt_TwoThousandTwentyFourPerformanceBasedGrantsMember" abstract="true" name="TwoThousandTwentyFourPerformanceBasedGrantsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="esnt_TwoThousandTwentyThreePerformanceBasedGrantsMember" abstract="true" name="TwoThousandTwentyThreePerformanceBasedGrantsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="esnt_TwoThousandTwentyTwoPerformanceBasedGrantsMember" abstract="true" name="TwoThousandTwentyTwoPerformanceBasedGrantsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="esnt_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardPeriodToDateVestingRightsPercentage" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardPeriodToDateVestingRightsPercentage" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="esnt_AOCIAttributableToParentBeforeTaxRollForward" abstract="true" name="AOCIAttributableToParentBeforeTaxRollForward" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="esnt_AOCIAttributableToParentTaxRollForward" abstract="true" name="AOCIAttributableToParentTaxRollForward" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="esnt_StatutoryAccountingPracticesStatutorySurplusBalance" abstract="false" name="StatutoryAccountingPracticesStatutorySurplusBalance" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="esnt_StatutoryAccountingPracticesStatutoryContingencyReserveLiability" abstract="false" name="StatutoryAccountingPracticesStatutoryContingencyReserveLiability" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="esnt_StatutoryAccountingPracticesIncreaseDecreaseInContingencyReserve" abstract="false" name="StatutoryAccountingPracticesIncreaseDecreaseInContingencyReserve" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="esnt_StatutoryAccountingPracticesReleaseOfContingencyReserve" abstract="false" name="StatutoryAccountingPracticesReleaseOfContingencyReserve" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="esnt_MortgageInsuranceSegmentMember" abstract="true" name="MortgageInsuranceSegmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="esnt_PremiumAndOtherTaxes" abstract="false" name="PremiumAndOtherTaxes" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="esnt_ReinsuranceCededPremiumsEarnedCedingCommission" abstract="false" name="ReinsuranceCededPremiumsEarnedCedingCommission" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="esnt_OtherUnderwritingAndOperatingExpensesOther" abstract="false" name="OtherUnderwritingAndOperatingExpensesOther" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="esnt_ExpenseRatio" abstract="false" name="ExpenseRatio" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
</xs:schema>
