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  <xs:element id="esnt_IncomeLossFromContinuingOperationsBeforeIncomeLossFromEquityMethodInvestments" abstract="false" name="IncomeLossFromContinuingOperationsBeforeIncomeLossFromEquityMethodInvestments" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="esnt_SpecialRevenueMunicipalBondsMember" abstract="true" name="SpecialRevenueMunicipalBondsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
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  <xs:element id="esnt_FinancingReceivableConsumerMortgageInsuredDownPaymentPercentage" abstract="false" name="FinancingReceivableConsumerMortgageInsuredDownPaymentPercentage" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
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  <xs:element id="esnt_AssetsonDepositUnderReinsuranceAgreements" abstract="false" name="AssetsonDepositUnderReinsuranceAgreements" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="esnt_ScheduleOfSharesEarnedUnvestedPerformanceSharesTableTextBlock" abstract="false" name="ScheduleOfSharesEarnedUnvestedPerformanceSharesTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
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  <xs:element id="esnt_AmortizationPeriodExcessofLossPortfolio" abstract="false" name="AmortizationPeriodExcessofLossPortfolio" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
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  <xs:element id="esnt_IncreaseDecreaseInMortgageGuarantyInsurerUnitedStatesMortgageGuarantyTaxAndLossBonds" abstract="false" name="IncreaseDecreaseInMortgageGuarantyInsurerUnitedStatesMortgageGuarantyTaxAndLossBonds" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="esnt_DeferredTaxLiabilitiesUndistributedDomesticEarnings" abstract="false" name="DeferredTaxLiabilitiesUndistributedDomesticEarnings" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="esnt_EquipmentComputerHardwareAndPurchasedSoftwareMember" abstract="true" name="EquipmentComputerHardwareAndPurchasedSoftwareMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="esnt_IncomeTaxReconciliationIncomeTaxExpenseBenefitAtWeightedAverageIncomeTaxRate" abstract="false" name="IncomeTaxReconciliationIncomeTaxExpenseBenefitAtWeightedAverageIncomeTaxRate" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="esnt_NonRefundableSinglePremiumPrimaryMortgageInsuranceUnearnedPremiumRecognizedAsEarnedUponCancellationDueToLoanRepayment" abstract="false" name="NonRefundableSinglePremiumPrimaryMortgageInsuranceUnearnedPremiumRecognizedAsEarnedUponCancellationDueToLoanRepayment" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="esnt_AuditInformationAbstract" abstract="true" name="AuditInformationAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <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_EmployeeMember" abstract="true" name="EmployeeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="esnt_LimitedPartnershipInvestmentMember" abstract="true" name="LimitedPartnershipInvestmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="esnt_TwoThousandEighteenPerformanceBasedGrantsMember" abstract="true" name="TwoThousandEighteenPerformanceBasedGrantsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="esnt_CertificationOfParticipationBondsMember" abstract="true" name="CertificationOfParticipationBondsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="esnt_VintageYear2017Member" abstract="true" name="VintageYear2017Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="esnt_ReinsuranceRemainingInsuranceInForce" abstract="false" name="ReinsuranceRemainingInsuranceInForce" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="esnt_VintageYear2020And2021Member" abstract="true" name="VintageYear2020And2021Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="esnt_CompoundedAnnualGrowthRateThreeYearBookValueAchieved15PercentMember" abstract="true" name="CompoundedAnnualGrowthRateThreeYearBookValueAchieved15PercentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="esnt_EffectiveIncomeTaxRateReconciliationAtWeightedAverageStatutoryIncomeTaxRate" abstract="false" name="EffectiveIncomeTaxRateReconciliationAtWeightedAverageStatutoryIncomeTaxRate" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="esnt_NumberOfLoansInDefault" abstract="false" name="NumberOfLoansInDefault" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="esnt_CompoundedAnnualGrowthRateThreeYearBookValueAchieved12PercentMember" abstract="true" name="CompoundedAnnualGrowthRateThreeYearBookValueAchieved12PercentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <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_StatutoryAccountingDisclosureTextBlock" abstract="false" name="StatutoryAccountingDisclosureTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="esnt_ShareBasedCompensationArrangementByShareBasedPaymentAwardPerformancePeriod" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardPerformancePeriod" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <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_RadnorRe20181Ltd.Member" abstract="true" name="RadnorRe20181Ltd.Member" 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_DeferredTaxAssetsDeferredExpenseUnearnedCedingCommissions" abstract="false" name="DeferredTaxAssetsDeferredExpenseUnearnedCedingCommissions" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="esnt_TaxAllocationMunicipalBondsMember" abstract="true" name="TaxAllocationMunicipalBondsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="esnt_DeferredTaxLiabilitiesContingencyReserves" abstract="false" name="DeferredTaxLiabilitiesContingencyReserves" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="esnt_EnergySectorMember" abstract="true" name="EnergySectorMember" 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_LiabilityForClaimsAndClaimsAdjustmentExpensePercentChangeUsedInCalculationOfExpense" abstract="false" name="LiabilityForClaimsAndClaimsAdjustmentExpensePercentChangeUsedInCalculationOfExpense" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="esnt_EffectiveIncomeTaxRateReconciliationWeightedAverageStatutoryIncomeTaxRateTaxExemptIncome" abstract="false" name="EffectiveIncomeTaxRateReconciliationWeightedAverageStatutoryIncomeTaxRateTaxExemptIncome" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="esnt_RiskInForceCeded" abstract="false" name="RiskInForceCeded" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="esnt_CompoundedAnnualGrowthRateThreeYearBookValueAchieved17PercentMember" abstract="true" name="CompoundedAnnualGrowthRateThreeYearBookValueAchieved17PercentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="esnt_ReinsuranceRemainingRiskInForce" abstract="false" name="ReinsuranceRemainingRiskInForce" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="esnt_RadnorRe20202LtdMember" abstract="true" name="RadnorRe20202LtdMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="esnt_TwoThousandSeventeenPerformanceBasedGrantsMember" abstract="true" name="TwoThousandSeventeenPerformanceBasedGrantsMember" 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_MortgageGuarantyInsuranceContractsMonthlyPoliciesEarnedPremiumPercentageOfTotal" abstract="false" name="MortgageGuarantyInsuranceContractsMonthlyPoliciesEarnedPremiumPercentageOfTotal" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="esnt_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseNumberOfConsecutiveMissedLoanPaymentsForClassificationOfLoanAsInDefault" abstract="false" name="LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseNumberOfConsecutiveMissedLoanPaymentsForClassificationOfLoanAsInDefault" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="esnt_VintageYear2018Member" abstract="true" name="VintageYear2018Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="esnt_BasicMaterialsSectorMember" abstract="true" name="BasicMaterialsSectorMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="esnt_ReinsurancePremiumIncreaseAfterOptionalTerminationDate" abstract="false" name="ReinsurancePremiumIncreaseAfterOptionalTerminationDate" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="esnt_StatutoryAccountingPracticesContingencyReservesReleased" abstract="false" name="StatutoryAccountingPracticesContingencyReservesReleased" nillable="true" xbrli:periodType="duration" 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_CompoundedAnnualGrowthRateThreeYearBookValueAchieved8PercentMember" abstract="true" name="CompoundedAnnualGrowthRateThreeYearBookValueAchieved8PercentMember" 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_CompoundedAnnualGrowthRateThreeYearBookValueAchieved10PercentMember" abstract="true" name="CompoundedAnnualGrowthRateThreeYearBookValueAchieved10PercentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="esnt_ConsumerCyclicalSectorMember" abstract="true" name="ConsumerCyclicalSectorMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="esnt_TwoThousandTwentyOnePerformanceBasedGrantsMember" abstract="true" name="TwoThousandTwentyOnePerformanceBasedGrantsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="esnt_EssentReinsuranceLtdMember" abstract="true" name="EssentReinsuranceLtdMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="esnt_VintageYear20192020Member" abstract="true" name="VintageYear20192020Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="esnt_VintageYear2021Member" abstract="true" name="VintageYear2021Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="esnt_FinancialSectorMember" abstract="true" name="FinancialSectorMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="esnt_EarlyCOVID19DefaultsMember" abstract="true" name="EarlyCOVID19DefaultsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="esnt_ExistingTermLoansMember" abstract="true" name="ExistingTermLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="esnt_DeferredTaxLiabilityTaxCutsAndJobsAct" abstract="false" name="DeferredTaxLiabilityTaxCutsAndJobsAct" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="esnt_DeferredTaxAssetsOrganizationalExpenses" abstract="false" name="DeferredTaxAssetsOrganizationalExpenses" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="esnt_EssentIrishIntermediateHoldingsLimitedMember" abstract="true" name="EssentIrishIntermediateHoldingsLimitedMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="esnt_ReinsuranceRetentionPolicyReinsuredRiskPercentageThreshold" abstract="false" name="ReinsuranceRetentionPolicyReinsuredRiskPercentageThreshold" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="esnt_RiskMarginIncreaseAfterOptionalTerminationDate" abstract="false" name="RiskMarginIncreaseAfterOptionalTerminationDate" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="esnt_GeneralObligationMunicipalBondsMember" abstract="true" name="GeneralObligationMunicipalBondsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="esnt_ReinsuranceProfitCommissionsMaximum" abstract="false" name="ReinsuranceProfitCommissionsMaximum" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="esnt_CompoundedAnnualGrowthRateThreeYearBookValueAchieved19PercentMember" abstract="true" name="CompoundedAnnualGrowthRateThreeYearBookValueAchieved19PercentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <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_AOCIAttributableToParentBeforeTaxRollForward" abstract="true" name="AOCIAttributableToParentBeforeTaxRollForward" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" 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:schema>
