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  <xsd:element id="esnt_AccumulatedOtherComprehensiveIncomeLossTax" name="AccumulatedOtherComprehensiveIncomeLossTax" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="esnt_AccumulatedOtherComprehensiveIncomeLossTaxEffectRollForward" name="AccumulatedOtherComprehensiveIncomeLossTaxEffectRollForward" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="esnt_CertainSeniorManagementMember" name="CertainSeniorManagementMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="esnt_CertificationOfParticipationBondsMember" name="CertificationOfParticipationBondsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="esnt_CompoundedAnnualBookValuePerShareGrowthAchieved11PercentMember" name="CompoundedAnnualBookValuePerShareGrowthAchieved11PercentMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="esnt_CompoundedAnnualBookValuePerShareGrowthAchieved12PercentMember" name="CompoundedAnnualBookValuePerShareGrowthAchieved12PercentMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="esnt_CompoundedAnnualBookValuePerShareGrowthAchieved13PercentMember" name="CompoundedAnnualBookValuePerShareGrowthAchieved13PercentMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="esnt_CompoundedAnnualBookValuePerShareGrowthAchieved14PercentMember" name="CompoundedAnnualBookValuePerShareGrowthAchieved14PercentMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="esnt_CompoundedAnnualBookValuePerShareGrowthAchieved15PercentMember" name="CompoundedAnnualBookValuePerShareGrowthAchieved15PercentMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="esnt_CompoundedAnnualBookValuePerShareGrowthRate" name="CompoundedAnnualBookValuePerShareGrowthRate" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="esnt_DiscountedCashFlowsApproachValuationTechniqueMember" name="DiscountedCashFlowsApproachValuationTechniqueMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="esnt_DocumentAndEntityInformation" name="DocumentAndEntityInformation" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="esnt_EmployeeMember" name="EmployeeMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="esnt_EssentGroupLimited2013LongTermIncentivePlanMember" name="EssentGroupLimited2013LongTermIncentivePlanMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="esnt_EssentGuarantyIncMember" name="EssentGuarantyIncMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="esnt_EssentGuarantyOfPAIncMember" name="EssentGuarantyOfPAIncMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="esnt_EssentReinsuranceLtdMember" name="EssentReinsuranceLtdMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="esnt_FairValueInputsStructuredAgencyCreditRiskDebtNotesCreditSpread" name="FairValueInputsStructuredAgencyCreditRiskDebtNotesCreditSpread" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="esnt_GeneralObligationMunicipalBondsMember" name="GeneralObligationMunicipalBondsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="esnt_IncentiveProgramBonusAwardFiscalYearPerformanceMember" name="IncentiveProgramBonusAwardFiscalYearPerformanceMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="esnt_IncreaseDecreaseInMortgageGuarantyInsurerUnitedStatesMortgageGuarantyTaxAndLossBonds" name="IncreaseDecreaseInMortgageGuarantyInsurerUnitedStatesMortgageGuarantyTaxAndLossBonds" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="esnt_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpensePriorYears" name="LiabilityForUnpaidClaimsAndClaimsAdjustmentExpensePriorYears" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="esnt_LoansAndLeasesReceivableConsumerMortgageInsuredDownPaymentPercentage" name="LoansAndLeasesReceivableConsumerMortgageInsuredDownPaymentPercentage" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="esnt_MortgageGuarantyInsurerUnitedStatesMortgageGuarantyTaxAndLossBonds" name="MortgageGuarantyInsurerUnitedStatesMortgageGuarantyTaxAndLossBonds" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="esnt_NumberOfLoansInDefault" name="NumberOfLoansInDefault" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="instant" />
  <xsd:element id="esnt_OtherUnderwritingAndOperatingExpenses" name="OtherUnderwritingAndOperatingExpenses" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="esnt_RepaymentsOfContractualObligationsToSeller" name="RepaymentsOfContractualObligationsToSeller" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="esnt_ScheduleOfNatureOfOperationsAndBasisOfPresentationLineItems" name="ScheduleOfNatureOfOperationsAndBasisOfPresentationLineItems" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="esnt_ScheduleOfNatureOfOperationsAndBasisOfPresentationTable" name="ScheduleOfNatureOfOperationsAndBasisOfPresentationTable" nillable="true" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="esnt_ScheduleOfSharesEarnedUnvestedPerformanceSharesTableTextBlock" name="ScheduleOfSharesEarnedUnvestedPerformanceSharesTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="esnt_SecondaryOfferingMember" name="SecondaryOfferingMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="esnt_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardPeriodToDateVestingRightsPercentage" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardPeriodToDateVestingRightsPercentage" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="esnt_ShareBasedCompensationArrangementByShareBasedPaymentAwardPerformancePeriod" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardPerformancePeriod" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="esnt_SharebasedCompensationAwardTrancheFourMember" name="SharebasedCompensationAwardTrancheFourMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="esnt_SpecialAssessmentBondMember" name="SpecialAssessmentBondMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="esnt_SpecialRevenueMunicipalBondsMember" name="SpecialRevenueMunicipalBondsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="esnt_StatutoryAccountingDisclosureAbstract" name="StatutoryAccountingDisclosureAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="esnt_StatutoryAccountingDisclosureTextBlock" name="StatutoryAccountingDisclosureTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="esnt_StatutoryAccountingPracticesIncreaseDecreaseInContingencyReserve" name="StatutoryAccountingPracticesIncreaseDecreaseInContingencyReserve" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="esnt_StatutoryAccountingPracticesStatutoryContingencyReserveLiability" name="StatutoryAccountingPracticesStatutoryContingencyReserveLiability" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="esnt_StatutoryAccountingPracticesStatutorySurplusBalance" name="StatutoryAccountingPracticesStatutorySurplusBalance" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="esnt_TaxAllocationMunicipalBondsMember" name="TaxAllocationMunicipalBondsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="esnt_VestingBasedOnPerformanceMember" name="VestingBasedOnPerformanceMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="esnt_VestingBasedOnServiceAndPerformanceMember" name="VestingBasedOnServiceAndPerformanceMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="esnt_VestingBasedOnServiceMember" name="VestingBasedOnServiceMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="esnt_VestingCriteriaAxis" name="VestingCriteriaAxis" nillable="true" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="esnt_VestingCriteriaDomain" name="VestingCriteriaDomain" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
</xsd:schema>
