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  <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 abstract="true" id="esnt_CompoundedAnnualBookValuePerShareGrowthAchieved16PercentMember" name="CompoundedAnnualBookValuePerShareGrowthAchieved16PercentMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="esnt_CompoundedAnnualBookValuePerShareGrowthAchieved17PercentMember" name="CompoundedAnnualBookValuePerShareGrowthAchieved17PercentMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="esnt_CompoundedAnnualBookValuePerShareGrowthAchieved18PercentMember" name="CompoundedAnnualBookValuePerShareGrowthAchieved18PercentMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="esnt_CompoundedAnnualBookValuePerShareGrowthAchieved19PercentMember" name="CompoundedAnnualBookValuePerShareGrowthAchieved19PercentMember" 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_ConsumerCyclicalSectorMember" name="ConsumerCyclicalSectorMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="esnt_ConsumerNoncyclicalSectorMember" name="ConsumerNoncyclicalSectorMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="esnt_DeferredIncomeTaxExpenseBenefitBeforeTheEffectOfTaxActOf2017" name="DeferredIncomeTaxExpenseBenefitBeforeTheEffectOfTaxActOf2017" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="esnt_DeferredPolicyAcquisitionCostsLineItems" name="DeferredPolicyAcquisitionCostsLineItems" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="esnt_DeferredPolicyAcquisitionCostsTable" name="DeferredPolicyAcquisitionCostsTable" nillable="true" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="esnt_DeferredTaxAssetsDeferredExpenseUnearnedCedingCommissions" name="DeferredTaxAssetsDeferredExpenseUnearnedCedingCommissions" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="esnt_DeferredTaxAssetsOrganizationalExpenses" name="DeferredTaxAssetsOrganizationalExpenses" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="esnt_DeferredTaxAssetsStartUpExpensesNet" name="DeferredTaxAssetsStartUpExpensesNet" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="esnt_DeferredTaxLiabilitiesContingencyReserves" name="DeferredTaxLiabilitiesContingencyReserves" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="esnt_DeferredTaxLiabilitiesTaxDeferredExpenseReservesAndAccrualsAccruedLiabilities" name="DeferredTaxLiabilitiesTaxDeferredExpenseReservesAndAccrualsAccruedLiabilities" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="esnt_DeferredTaxLiabilitiesUndistributedDomesticEarnings" name="DeferredTaxLiabilitiesUndistributedDomesticEarnings" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="esnt_DocumentAndEntityInformation" name="DocumentAndEntityInformation" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="esnt_EffectiveIncomeTaxRateReconciliationAtWeightedAverageStatutoryIncomeTaxRate" name="EffectiveIncomeTaxRateReconciliationAtWeightedAverageStatutoryIncomeTaxRate" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="esnt_EffectiveIncomeTaxRateReconciliationTaxCutsAndJobsActOf2017Amount" name="EffectiveIncomeTaxRateReconciliationTaxCutsAndJobsActOf2017Amount" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="esnt_EffectiveIncomeTaxRateReconciliationTaxCutsAndJobsActOf2017Percent" name="EffectiveIncomeTaxRateReconciliationTaxCutsAndJobsActOf2017Percent" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="esnt_EffectiveIncomeTaxRateReconciliationWeightedAverageStatutoryIncomeTaxRateNondeductibleExpense" name="EffectiveIncomeTaxRateReconciliationWeightedAverageStatutoryIncomeTaxRateNondeductibleExpense" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="esnt_EffectiveIncomeTaxRateReconciliationWeightedAverageStatutoryIncomeTaxRateOtherAdjustments" name="EffectiveIncomeTaxRateReconciliationWeightedAverageStatutoryIncomeTaxRateOtherAdjustments" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="esnt_EffectiveIncomeTaxRateReconciliationWeightedAverageStatutoryIncomeTaxRateTaxExemptIncome" name="EffectiveIncomeTaxRateReconciliationWeightedAverageStatutoryIncomeTaxRateTaxExemptIncome" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" 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_EnergySectorMember" name="EnergySectorMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="esnt_EquipmentComputerHardwareAndPurchasedSoftwareMember" name="EquipmentComputerHardwareAndPurchasedSoftwareMember" 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_EssentGroupLimitedMember" name="EssentGroupLimitedMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="esnt_EssentGuarantyAndEssentPAMember" name="EssentGuarantyAndEssentPAMember" 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_EssentIrishIntermediateHoldingsLimitedMember" name="EssentIrishIntermediateHoldingsLimitedMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="esnt_EssentPAMember" name="EssentPAMember" 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 abstract="true" id="esnt_EssentUsHoldingsIncMember" name="EssentUsHoldingsIncMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="esnt_ExcessMortgageInsuranceCoverageMember" name="ExcessMortgageInsuranceCoverageMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="esnt_FinancialSectorMember" name="FinancialSectorMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="esnt_FirstAnniversaryOfCompletionOfPerformancePeriodVestingMember" name="FirstAnniversaryOfCompletionOfPerformancePeriodVestingMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="esnt_ForeignEarningsRepatriatedWithholdingTaxRatePercent" name="ForeignEarningsRepatriatedWithholdingTaxRatePercent" 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_GoldmanSachsAssetManagementLimitedPartnershipMember" name="GoldmanSachsAssetManagementLimitedPartnershipMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="esnt_GoldmanSachsGroupIncMember" name="GoldmanSachsGroupIncMember" 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_IncomeLossFromContinuingOperationsBeforeIncomeLossFromEquityMethodInvestments" name="IncomeLossFromContinuingOperationsBeforeIncomeLossFromEquityMethodInvestments" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="esnt_IncomeTaxReconciliationAtWeightedAverageIncomeTaxRateNondeductibleExpense" name="IncomeTaxReconciliationAtWeightedAverageIncomeTaxRateNondeductibleExpense" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="esnt_IncomeTaxReconciliationAtWeightedAverageIncomeTaxRateOtherAdjustments" name="IncomeTaxReconciliationAtWeightedAverageIncomeTaxRateOtherAdjustments" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="esnt_IncomeTaxReconciliationAtWeightedAverageIncomeTaxRateTaxExemptIncome" name="IncomeTaxReconciliationAtWeightedAverageIncomeTaxRateTaxExemptIncome" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="esnt_IncomeTaxReconciliationIncomeTaxExpenseBenefitAtWeightedAverageIncomeTaxRate" name="IncomeTaxReconciliationIncomeTaxExpenseBenefitAtWeightedAverageIncomeTaxRate" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" 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 abstract="true" id="esnt_IndustrialSectorMember" name="IndustrialSectorMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="esnt_InvestmentAdvisoryAgreementMember" name="InvestmentAdvisoryAgreementMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="esnt_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseNumberOfConsecutiveMissedLoanPaymentsForClassificationOfLoanAsInDefault" name="LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseNumberOfConsecutiveMissedLoanPaymentsForClassificationOfLoanAsInDefault" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" 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_LineofCreditFacilityMaximumBorrowingCapacityPeriodIncreaseDecrease" name="LineofCreditFacilityMaximumBorrowingCapacityPeriodIncreaseDecrease" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="esnt_LoansAndLeasesReceivableConsumerMortgageInsuredDownPaymentPercentage" name="LoansAndLeasesReceivableConsumerMortgageInsuredDownPaymentPercentage" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="esnt_MaximumNumberOfVotesPerShareCertainShareholdersUnder9.5PercentShareholderProvision" name="MaximumNumberOfVotesPerShareCertainShareholdersUnder9.5PercentShareholderProvision" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="instant" />
  <xsd:element id="esnt_MinimumNumberOfVotesPerShareOtherShareholders" name="MinimumNumberOfVotesPerShareOtherShareholders" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="instant" />
  <xsd:element id="esnt_MortgageGuarantyInsuranceContractsMonthlyPoliciesEarnedPremiumPercentageOfTotal" name="MortgageGuarantyInsuranceContractsMonthlyPoliciesEarnedPremiumPercentageOfTotal" 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 abstract="true" id="esnt_MortgageInsuranceLinkedNotesMember" name="MortgageInsuranceLinkedNotesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="esnt_MortgageInsuranceMember" name="MortgageInsuranceMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="esnt_NonRefundableSinglePremiumPrimaryMortgageInsuranceUnearnedPremiumRecognizedAsEarnedUponCancellationDueToLoanRepayment" name="NonRefundableSinglePremiumPrimaryMortgageInsuranceUnearnedPremiumRecognizedAsEarnedUponCancellationDueToLoanRepayment" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="esnt_NumberOfLoansInDefault" name="NumberOfLoansInDefault" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="instant" />
  <xsd:element id="esnt_NumberOfLoansInHurricaneImpactedAreasCured" name="NumberOfLoansInHurricaneImpactedAreasCured" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="duration" />
  <xsd:element id="esnt_NumberOfLoansInHurricaneImpactedAreasInDefault" name="NumberOfLoansInHurricaneImpactedAreasInDefault" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="esnt_OtherInformationAbstract" name="OtherInformationAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="esnt_OtherUnderwritingAndOperatingExpenses" name="OtherUnderwritingAndOperatingExpenses" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="esnt_OtherUnderwritingAndOperatingExpensesMember" name="OtherUnderwritingAndOperatingExpensesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="esnt_PercentageOfOutstandingSharesHeldByInvestor" name="PercentageOfOutstandingSharesHeldByInvestor" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="esnt_PremiumDeficiencyReserve" name="PremiumDeficiencyReserve" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="esnt_PrimaryMortgageGuarantyInsuranceContractsSinglePremiumPoliciesThresholdPeriodOfCoverage" name="PrimaryMortgageGuarantyInsuranceContractsSinglePremiumPoliciesThresholdPeriodOfCoverage" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="esnt_PurchasedSoftwareMember" name="PurchasedSoftwareMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="esnt_QuotaShareReinsuranceTransactionMember" name="QuotaShareReinsuranceTransactionMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="esnt_RadnorRe20181Ltd.Member" name="RadnorRe20181Ltd.Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="esnt_ReinsuranceRetentionPolicyDebtIssuedToCoverInsuranceTerm" name="ReinsuranceRetentionPolicyDebtIssuedToCoverInsuranceTerm" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element id="esnt_ReinsuranceRetentionPolicyOptionToTerminatePeriod" name="ReinsuranceRetentionPolicyOptionToTerminatePeriod" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element id="esnt_ReinsuranceRetentionPolicyReinsuredRiskPercentageThreshold" name="ReinsuranceRetentionPolicyReinsuredRiskPercentageThreshold" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="esnt_RepaymentOfBorrowingWithProceedsFromDebt" name="RepaymentOfBorrowingWithProceedsFromDebt" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="esnt_ResidentialAndCommercialMortgageSecuritiesMember" name="ResidentialAndCommercialMortgageSecuritiesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="esnt_RevenuesOtherThanPremiumsEarnedNet" name="RevenuesOtherThanPremiumsEarnedNet" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="esnt_RiskMarginComponentOfReinsurancePremiumPayablePercent" name="RiskMarginComponentOfReinsurancePremiumPayablePercent" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="esnt_RiskToCapitalRatio" name="RiskToCapitalRatio" nillable="true" substitutionGroup="xbrli:item" type="xbrli:pureItemType" xbrli:periodType="instant" />
  <xsd:element id="esnt_ScheduleOfSharesEarnedUnvestedPerformanceSharesTableTextBlock" name="ScheduleOfSharesEarnedUnvestedPerformanceSharesTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" 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 id="esnt_ShareholderVotingRightsOwnershipPercentageThreshold" name="ShareholderVotingRightsOwnershipPercentageThreshold" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" 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_SpecialTaxBondMember" name="SpecialTaxBondMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" 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_StatutoryAccountingPracticesStatutoryAmountAvailableForDividendPaymentsWithoutRegulatoryApprovalDividendPaymentPeriod" name="StatutoryAccountingPracticesStatutoryAmountAvailableForDividendPaymentsWithoutRegulatoryApprovalDividendPaymentPeriod" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element id="esnt_StatutoryAccountingPracticesStatutoryAmountAvailableForDividendPaymentsWithoutRegulatoryApprovalPreviousFiscalYearEndStatutoryPolicyholdersSurplusPercentage" name="StatutoryAccountingPracticesStatutoryAmountAvailableForDividendPaymentsWithoutRegulatoryApprovalPreviousFiscalYearEndStatutoryPolicyholdersSurplusPercentage" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <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 id="esnt_TaxCutsAndJobsActOf2017IncomeTaxExpenseBenefit" name="TaxCutsAndJobsActOf2017IncomeTaxExpenseBenefit" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="esnt_TaxCutsAndJobsActOf2017ReclassificationFromAOCIToRetainedEarnings" name="TaxCutsAndJobsActOf2017ReclassificationFromAOCIToRetainedEarnings" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="esnt_TechnologyDebtSectorMember" name="TechnologyDebtSectorMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="esnt_TwoThousandEighteenPerformanceBasedGrantsMember" name="TwoThousandEighteenPerformanceBasedGrantsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="esnt_TwoThousandSeventeenPerformanceBasedGrantsMember" name="TwoThousandSeventeenPerformanceBasedGrantsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="esnt_TwoThousandSixteenPerformanceBasedGrantsMember" name="TwoThousandSixteenPerformanceBasedGrantsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="esnt_TwoThousandThirteenFourteenandFifteenMember" name="TwoThousandThirteenFourteenandFifteenMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="esnt_UncommittedLineofCreditMember" name="UncommittedLineofCreditMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="esnt_UnitedStatesIrelandTaxTreatyBenefitsAvailedMember" name="UnitedStatesIrelandTaxTreatyBenefitsAvailedMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="esnt_UtilitiesSectorMember" name="UtilitiesSectorMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="esnt_VariableInterestEntityFirstLayerRetention" name="VariableInterestEntityFirstLayerRetention" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="esnt_VariableInterestEntityReportingEntityInvolvementMaximumLossExposureAmountOffTheBalanceSheet" name="VariableInterestEntityReportingEntityInvolvementMaximumLossExposureAmountOffTheBalanceSheet" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="esnt_VariableInterestEntityReportingEntityInvolvementMaximumLossExposureAmountOnTheBalanceSheet" name="VariableInterestEntityReportingEntityInvolvementMaximumLossExposureAmountOnTheBalanceSheet" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <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>
