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Segment Reporting
 9 Months Ended
Sep. 30, 2025
Segment Reporting [Abstract]  
Segment Reporting Segment Reporting
We have one reportable business segment: Mortgage Insurance. Our Mortgage Insurance segment offers private mortgage insurance and reinsurance for mortgages secured by residential properties located in the United States. We provide private mortgage insurance on residential first-lien mortgage loans (“U.S. mortgage insurance”) through our U.S. mortgage insurance subsidiary, Essent Guaranty, and also offer other credit risk management solutions, including contract underwriting, to our customers. Through our Bermuda-based reinsurance subsidiary, Essent Re, we reinsure U.S. mortgage risk primarily through the GSE credit risk transfer market (“GSE and other mortgage risk share”) and provide underwriting consulting services to third-party reinsurers. Our U.S. mortgage insurance business and GSE and other mortgage risk share business each represent operating segments that we have aggregated as one reportable segment based on their shared economic characteristics and the similarities between the two operating segments.
In addition, our "Corporate & Other" category is used to reconcile our reportable segment to consolidated results and includes business activities associated with our title insurance operations, income and losses from holding company treasury operations and general corporate operating expenses not attributable to our operating segments. Our title insurance operations are an operating segment that does not meet the quantitative thresholds of a separate reportable segment.
We allocate corporate management and support expenses to operating segments based on their percentage of total operating segment revenues, which approximates the estimated percentage of management time and resources spent on each operating segment. We view our borrowings as holding company capital and liquidity and as such, all interest expense is included in Corporate & Other.
Our senior management team, including our President & Chief Executive Officer (Essent's chief operating decision maker or "CODM"), uses income (loss) before income taxes as the primary measure to evaluate the financial performance of the operating segments and to allocate resources to those segments, including capital allocations and assessing headcount. The CODM also assesses the profitability of our Mortgage Insurance segment through analysis of the loss ratio, expense ratio and combined ratio. We do not manage our segments by assets.
As of September 30, 2025 and December 31, 2024, all goodwill is assigned to our Title operating segment, which is included in our Corporate & Other category. Goodwill was $48.8 million at both September 30, 2025 and December 31, 2024. Goodwill decreased by $1.2 million during the nine months ended September 30, 2024 as a result of measurement period adjustments.
Segment Information: Profit & Loss
The following table reconciles the components of reportable segment profit and loss to consolidated profit and loss for the periods presented. Within the tables, we have disclosed significant segment expenses at a level of disaggregation that coincides with what is regularly provided to the CODM. Other underwriting and operating expenses in the Mortgage Insurance segment include software, professional fees, travel, and occupancy costs. The accounting policies of our operating segments are the same as those described in the summary of significant accounting policies in our Form 10-K. We do not have inter-segment transactions.
 Three Months Ended September 30, 2025Three Months Ended September 30, 2024

(In thousands)		Mortgage InsuranceCorporate & OtherConsolidatedMortgage InsuranceCorporate & OtherConsolidated
Revenues:   
Net premiums earned$231,628 $14,704 $246,332 $231,249 $17,687 $248,936 
Net investment income49,568 10,227 59,795 46,241 11,099 57,340 
Realized investment gains (losses), net
(427)2 (425)73 (5)68 
Income (loss) from other invested assets(605)2,375 1,770 3,132 (312)2,820 
Other income2,391 1,967 4,358 3,706 3,708 7,414 
Total revenues282,555 29,275 311,830 284,401 32,177 316,578 
Losses and expenses:   
Provision for losses and LAE
44,177 745 44,922 29,816 850 30,666 
Compensation and benefits16,568 12,608 29,176 17,656 16,136 33,792 
Premium and other taxes6,018 (88)5,930 5,863 432 6,295 
Ceding commission(6,942)47 (6,895)(6,433)— (6,433)
Other underwriting and operating expenses10,949 20,338 31,287 10,798 22,429 33,227 
Net operating expenses before allocations26,593 32,905 59,498 27,884 38,997 66,881 
Corporate expense allocations7,583 (7,583)— 10,672 (10,672)— 
Operating expenses after allocations34,176 25,322 59,498 38,556 28,325 66,881 
Interest expense— 8,251 8,251 — 11,457 11,457 
Income (loss) before income taxes$204,202 $(5,043)$199,159 $216,029 $(8,455)$207,574 
Loss ratio (1)19.1 %12.9 %
Expense ratio (2)14.8 %16.7 %
Combined ratio33.9 %29.6 %
(1) Loss ratio is calculated by dividing the provision (benefit) for losses and LAE by net premiums earned.
(2) Expense ratio is calculated by dividing operating expenses after allocations by net premiums earned.
 Nine Months Ended September 30, 2025Nine Months Ended September 30, 2024

(In thousands)		Mortgage InsuranceCorporate & OtherConsolidatedMortgage InsuranceCorporate & OtherConsolidated
Revenues:   
Net premiums earned$699,165 $41,824 $740,989 $696,813 $49,604 $746,417 
Net investment income146,090 31,204 177,294 137,150 28,361 165,511 
Realized investment losses, net
(652)(83)(735)(2,223)(13)(2,236)
Income (loss) from other invested assets6,223 7,421 13,644 4,246 (3,760)486 
Other income10,415 6,924 17,339 10,268 7,431 17,699 
Total revenues861,241 87,290 948,531 846,254 81,623 927,877 
Losses and expenses:   
Provision for losses and LAE
90,258 3,006 93,264 37,928 2,317 40,245 
Compensation and benefits53,251 46,336 99,587 54,119 47,746 101,865 
Premium and other taxes17,592 1,736 19,328 17,039 928 17,967 
Ceding commission(20,360)47 (20,313)(17,701)— (17,701)
Other underwriting and operating expenses33,714 61,071 94,785 33,050 64,742 97,792 
Net operating expenses before allocations84,197 109,190 193,387 86,507 113,416 199,923 
Corporate expense allocations29,838 (29,838)— 33,130 (33,130)— 
Operating expenses after allocations114,035 79,352 193,387 119,637 80,286 199,923 
Interest expense— 24,547 24,547 — 27,168 27,168 
Income (loss) before income taxes$656,948 $(19,615)$637,333 $688,689 $(28,148)$660,541 
Loss ratio (1)12.9 %5.4 %
Expense ratio (2)16.3 %17.2 %
Combined ratio29.2 %22.6 %
(1) Loss ratio is calculated by dividing the provision (benefit) for losses and LAE by net premiums earned.
(2) Expense ratio is calculated by dividing operating expenses after allocations by net premiums earned.