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  <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_RadnorRe20211Member" abstract="true" name="RadnorRe20211Member" 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_VariableInterestEntityReportingEntityInvolvementMaximumLossExposureAmountOnTheBalanceSheet" abstract="false" name="VariableInterestEntityReportingEntityInvolvementMaximumLossExposureAmountOnTheBalanceSheet" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_RadnorRe20181Ltd.Member" abstract="true" name="RadnorRe20181Ltd.Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="esnt_EssentPAMember" abstract="true" name="EssentPAMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <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_QSR2019Member" abstract="true" name="QSR2019Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="esnt_ShareholderVotingRightsOwnershipPercentageThreshold" abstract="false" name="ShareholderVotingRightsOwnershipPercentageThreshold" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="esnt_RadnorRe20191Ltd.Member" abstract="true" name="RadnorRe20191Ltd.Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="esnt_RadnorReMember" abstract="true" name="RadnorReMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <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_ReinsuranceRemainingReinsuranceInForce" abstract="false" name="ReinsuranceRemainingReinsuranceInForce" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionAbstract" abstract="true" name="DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="esnt_ReinsuranceCededPremiumsEarnedPercentOfRiskOnAllOtherEligiblePolicies" abstract="false" name="ReinsuranceCededPremiumsEarnedPercentOfRiskOnAllOtherEligiblePolicies" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="esnt_RadnorRe20202Member" abstract="true" name="RadnorRe20202Member" 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_GovernmentDebtSectorMember" abstract="true" name="GovernmentDebtSectorMember" 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_ScheduleOfSharesEarnedUnvestedPerformanceSharesTableTextBlock" abstract="false" name="ScheduleOfSharesEarnedUnvestedPerformanceSharesTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <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_CertificationOfParticipationBondsMember" abstract="true" name="CertificationOfParticipationBondsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <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_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardPeriodToDateVestingRightsPercentage" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardPeriodToDateVestingRightsPercentage" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="esnt_COVID19Member" abstract="true" name="COVID19Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="esnt_CompoundedAnnualGrowthRateThreeYearBookValueAchieved13PercentMember" abstract="true" name="CompoundedAnnualGrowthRateThreeYearBookValueAchieved13PercentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="esnt_AOCIAttributableToParentTaxRollForward" abstract="true" name="AOCIAttributableToParentTaxRollForward" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="esnt_AOCIAttributableToParentBeforeTaxRollForward" abstract="true" name="AOCIAttributableToParentBeforeTaxRollForward" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <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_VestingBasedOnServiceAndPerformanceMember" abstract="true" name="VestingBasedOnServiceAndPerformanceMember" 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_NonvestedSharesShareUnitsOrDEUMember" abstract="true" name="NonvestedSharesShareUnitsOrDEUMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="esnt_EssentGuarantyIncMember" abstract="true" name="EssentGuarantyIncMember" 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:schema>
