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  <xsd:import namespace="http://xbrl.sec.gov/invest/2013-01-31" schemaLocation="http://xbrl.sec.gov/invest/2013/invest-2013-01-31.xsd" />
  <xsd:import namespace="http://www.xbrl.org/2003/instance" schemaLocation="http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd" />
  <xsd:import namespace="http://xbrl.org/2005/xbrldt" schemaLocation="http://www.xbrl.org/2005/xbrldt-2005.xsd" />
  <xsd:element name="AvailableForSaleSecuritiesDebtMaturitiesRollingAfterYearFiveAmortizedCostBasis" id="esnt_AvailableForSaleSecuritiesDebtMaturitiesRollingAfterYearFiveAmortizedCostBasis" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="DeferredTaxLiabilitiesTaxDeferredExpenseReservesAndAccrualsAccruedLiabilities" id="esnt_DeferredTaxLiabilitiesTaxDeferredExpenseReservesAndAccrualsAccruedLiabilities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="ReceivableForSecurities" id="esnt_ReceivableForSecurities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="LiabilityForUnpaidClaimsAndClaimsAdjustmentExpensePriorYears" id="esnt_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpensePriorYears" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="CommonClassB2Member" id="esnt_CommonClassB2Member" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="LoansAndLeasesReceivableConsumerMortgageInsuredDownPaymentPercentageMaximum" id="esnt_LoansAndLeasesReceivableConsumerMortgageInsuredDownPaymentPercentageMaximum" type="num:percentItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="instant" />
  <xsd:element name="OtherUnderwritingAndOperatingExpenses" id="esnt_OtherUnderwritingAndOperatingExpenses" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="PaymentsUnderAssetPurchaseAgreement" id="esnt_PaymentsUnderAssetPurchaseAgreement" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="PaymentsForInvestorFee" id="esnt_PaymentsForInvestorFee" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="DocumentAndEntityInformation" id="esnt_DocumentAndEntityInformation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="AvailableForSaleSecuritiesAccumulatedGrossUnrealizedLossBeforeTax" id="esnt_AvailableForSaleSecuritiesAccumulatedGrossUnrealizedLossBeforeTax" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="DeferredTaxAssetsLiabilitiesNetBeforeValuationAllowance" id="esnt_DeferredTaxAssetsLiabilitiesNetBeforeValuationAllowance" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="DeferredTaxAssetsStartUpExpensesNet" id="esnt_DeferredTaxAssetsStartUpExpensesNet" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="DeferredTaxAssetsOrganizationalExpenses" id="esnt_DeferredTaxAssetsOrganizationalExpenses" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="StatutoryAccountingDisclosureAbstract" id="esnt_StatutoryAccountingDisclosureAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="StatutoryAccountingDisclosureTextBlock" id="esnt_StatutoryAccountingDisclosureTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="EssentGuarantyIncMember" id="esnt_EssentGuarantyIncMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="EssentGuarantyOfPAIncMember" id="esnt_EssentGuarantyOfPAIncMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="StatutoryAccountingPracticesStatutorySurplusBalance" id="esnt_StatutoryAccountingPracticesStatutorySurplusBalance" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="StatutoryAccountingPracticesStatutoryContingencyReserveLiability" id="esnt_StatutoryAccountingPracticesStatutoryContingencyReserveLiability" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="StatutoryAccountingPracticesIncreaseDecreaseInContingencyReserve" id="esnt_StatutoryAccountingPracticesIncreaseDecreaseInContingencyReserve" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="ScheduleOfNatureOfOperationsAndBasisOfPresentationTable" id="esnt_ScheduleOfNatureOfOperationsAndBasisOfPresentationTable" type="xbrli:stringItemType" substitutionGroup="xbrldt:hypercubeItem" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ScheduleOfNatureOfOperationsAndBasisOfPresentationLineItems" id="esnt_ScheduleOfNatureOfOperationsAndBasisOfPresentationLineItems" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="AvailableForSaleSecuritiesAccumulatedGrossUnrealizedGainBeforeTax" id="esnt_AvailableForSaleSecuritiesAccumulatedGrossUnrealizedGainBeforeTax" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="ThirdAnniversaryVestingMember" id="esnt_ThirdAnniversaryVestingMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="FourthAnniversaryVestingMember" id="esnt_FourthAnniversaryVestingMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="FifthAnniversaryVestingMember" id="esnt_FifthAnniversaryVestingMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ShareBasedCompensationArrangementByShareBasedPaymentAwardAmountUsedToDeriveInvestmentPercentageDenominator" id="esnt_ShareBasedCompensationArrangementByShareBasedPaymentAwardAmountUsedToDeriveInvestmentPercentageDenominator" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="GrantDateVestingMember" id="esnt_GrantDateVestingMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="AvailableForSaleSecuritiesDebtMaturitiesRollingAfterYearFiveFairValue" id="esnt_AvailableForSaleSecuritiesDebtMaturitiesRollingAfterYearFiveFairValue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss" id="esnt_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAccumulatedLoss" id="esnt_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAccumulatedLoss" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="ShareholdersAgreementClassACommonShareSubscriptionAgreementAndRelatedLegalDocumentsAsAmendedMember" id="esnt_ShareholdersAgreementClassACommonShareSubscriptionAgreementAndRelatedLegalDocumentsAsAmendedMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="EquityFundingArrangementTotalFeeEarned" id="esnt_EquityFundingArrangementTotalFeeEarned" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss" id="esnt_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="EquityFundingArrangementMacquarieCapitalServicesInitialClosingShareholdersMember" id="esnt_EquityFundingArrangementMacquarieCapitalServicesInitialClosingShareholdersMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="EquityFundingArrangementFeePercentage" id="esnt_EquityFundingArrangementFeePercentage" type="num:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="EquityFundingArrangementMaximumPotentialConsideration" id="esnt_EquityFundingArrangementMaximumPotentialConsideration" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="NumberOfLoansInDefault" id="esnt_NumberOfLoansInDefault" type="xbrli:integerItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="instant" />
  <xsd:element name="AccumulatedOtherComprehensiveIncomeLossBeforeTaxRollForward" id="esnt_AccumulatedOtherComprehensiveIncomeLossBeforeTaxRollForward" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="AccumulatedOtherComprehensiveIncomeLossTaxEffectRollForward" id="esnt_AccumulatedOtherComprehensiveIncomeLossTaxEffectRollForward" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="AccumulatedOtherComprehensiveIncomeLossTax" id="esnt_AccumulatedOtherComprehensiveIncomeLossTax" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="IncomeTaxesLineItems" id="esnt_IncomeTaxesLineItems" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="AccumulatedOtherComprehensiveIncomeLossNetOfTaxRollForward" id="esnt_AccumulatedOtherComprehensiveIncomeLossNetOfTaxRollForward" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="IncomeTaxesTable" id="esnt_IncomeTaxesTable" type="xbrli:stringItemType" substitutionGroup="xbrldt:hypercubeItem" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ScheduleOfSharesEarnedUnvestedPerformanceSharesTableTextBlock" id="esnt_ScheduleOfSharesEarnedUnvestedPerformanceSharesTableTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="EffectiveIncomeTaxRateReconciliationAtWeightedAverageStatutoryIncomeTaxRate" id="esnt_EffectiveIncomeTaxRateReconciliationAtWeightedAverageStatutoryIncomeTaxRate" type="num:percentItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="EffectiveIncomeTaxRateReconciliationWeightedAverageStatutoryIncomeTaxRateNondeductibleExpense" id="esnt_EffectiveIncomeTaxRateReconciliationWeightedAverageStatutoryIncomeTaxRateNondeductibleExpense" type="num:percentItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="EffectiveIncomeTaxRateReconciliationWeightedAverageStatutoryIncomeTaxRateTaxExemptIncome" id="esnt_EffectiveIncomeTaxRateReconciliationWeightedAverageStatutoryIncomeTaxRateTaxExemptIncome" type="num:percentItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="EffectiveIncomeTaxRateReconciliationWeightedAverageStatutoryIncomeTaxRateChangeInDeferredTaxAssetsValuationAllowance" id="esnt_EffectiveIncomeTaxRateReconciliationWeightedAverageStatutoryIncomeTaxRateChangeInDeferredTaxAssetsValuationAllowance" type="num:percentItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="EffectiveIncomeTaxRateReconciliationWeightedAverageStatutoryIncomeTaxRateOtherAdjustments" id="esnt_EffectiveIncomeTaxRateReconciliationWeightedAverageStatutoryIncomeTaxRateOtherAdjustments" type="num:percentItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="SeniorManagementExcludingChiefExecutiveOfficerMember" id="esnt_SeniorManagementExcludingChiefExecutiveOfficerMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="EmployeeMember" id="esnt_EmployeeMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="CompoundedAnnualBookValuePerShareGrowthAchieved11PercentMember" id="esnt_CompoundedAnnualBookValuePerShareGrowthAchieved11PercentMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="CompoundedAnnualBookValuePerShareGrowthAchieved12PercentMember" id="esnt_CompoundedAnnualBookValuePerShareGrowthAchieved12PercentMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="CompoundedAnnualBookValuePerShareGrowthAchieved13PercentMember" id="esnt_CompoundedAnnualBookValuePerShareGrowthAchieved13PercentMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="CompoundedAnnualBookValuePerShareGrowthAchieved14PercentMember" id="esnt_CompoundedAnnualBookValuePerShareGrowthAchieved14PercentMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="CompoundedAnnualBookValuePerShareGrowthAchieved15PercentMember" id="esnt_CompoundedAnnualBookValuePerShareGrowthAchieved15PercentMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="StockConversionRatio" id="esnt_StockConversionRatio" type="xbrli:pureItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantedPercentage" id="esnt_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantedPercentage" type="num:percentItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ShareBasedCompensationArrangementByShareBasedPaymentAwardPerformancePeriod" id="esnt_ShareBasedCompensationArrangementByShareBasedPaymentAwardPerformancePeriod" type="xbrli:durationItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ShareBasedCompensationArrangementByShareBasedPaymentAwardVestingPeriodOnCompletionOfPerformancePeriod" id="esnt_ShareBasedCompensationArrangementByShareBasedPaymentAwardVestingPeriodOnCompletionOfPerformancePeriod" type="xbrli:durationItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="StockIssuedDuringPeriodValueNewIssuesPrivatePlacement" id="esnt_StockIssuedDuringPeriodValueNewIssuesPrivatePlacement" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="StockIssuedDuringPeriodValueNewIssuesInitialPublicOffering" id="esnt_StockIssuedDuringPeriodValueNewIssuesInitialPublicOffering" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="EssentGroupLimited2013LongTermIncentivePlanMember" id="esnt_EssentGroupLimited2013LongTermIncentivePlanMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="VestingBasedOnServiceAndPerformanceMember" id="esnt_VestingBasedOnServiceAndPerformanceMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="VestingBasedOnServiceMember" id="esnt_VestingBasedOnServiceMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ShareBasedCompensationArrangementByShareBasedPaymentAwardAnnualNumberOfAdditionalSharesAuthorized" id="esnt_ShareBasedCompensationArrangementByShareBasedPaymentAwardAnnualNumberOfAdditionalSharesAuthorized" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ShareBasedCompensationArrangementByShareBasedPaymentAwardAnnualAdditionalSharesAuthorizedAsPercentageOfOutstandingShares" id="esnt_ShareBasedCompensationArrangementByShareBasedPaymentAwardAnnualAdditionalSharesAuthorizedAsPercentageOfOutstandingShares" type="num:percentItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="CompoundedAnnualBookValuePerShareGrowthRate" id="esnt_CompoundedAnnualBookValuePerShareGrowthRate" type="num:percentItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="IncomeTaxReconciliationIncomeTaxExpenseBenefitAtWeightedAverageIncomeTaxRate" id="esnt_IncomeTaxReconciliationIncomeTaxExpenseBenefitAtWeightedAverageIncomeTaxRate" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="IncomeTaxReconciliationAtWeightedAverageIncomeTaxRateNondeductibleExpense" id="esnt_IncomeTaxReconciliationAtWeightedAverageIncomeTaxRateNondeductibleExpense" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="IncomeTaxReconciliationAtWeightedAverageIncomeTaxRateTaxExemptIncome" id="esnt_IncomeTaxReconciliationAtWeightedAverageIncomeTaxRateTaxExemptIncome" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="IncomeTaxReconciliationAtWeightedAverageIncomeTaxRateValuationAllowance" id="esnt_IncomeTaxReconciliationAtWeightedAverageIncomeTaxRateValuationAllowance" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="IncomeTaxReconciliationAtWeightedAverageIncomeTaxRateOtherAdjustments" id="esnt_IncomeTaxReconciliationAtWeightedAverageIncomeTaxRateOtherAdjustments" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="DeferredTaxLiabilitiesContingencyReserves" id="esnt_DeferredTaxLiabilitiesContingencyReserves" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="IncomeTaxReconciliationAtEstimatedWeightedAverageIncomeTaxRateAndActualWeightedAverageIncomeTaxRateDifference" id="esnt_IncomeTaxReconciliationAtEstimatedWeightedAverageIncomeTaxRateAndActualWeightedAverageIncomeTaxRateDifference" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="EffectiveIncomeTaxRateReconciliationEstimatedWeightedAverageStatutoryIncomeTaxRateAndActualWeightedAverageStatutoryIncomeTaxRateDifference" id="esnt_EffectiveIncomeTaxRateReconciliationEstimatedWeightedAverageStatutoryIncomeTaxRateAndActualWeightedAverageStatutoryIncomeTaxRateDifference" type="num:percentItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ScheduleOfEffectiveIncomeTaxRateReconciliationAtWeightedAverageIncomeTaxRateTableTextBlock" id="esnt_ScheduleOfEffectiveIncomeTaxRateReconciliationAtWeightedAverageIncomeTaxRateTableTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="CommonClassAAndClassB2Member" id="esnt_CommonClassAAndClassB2Member" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="MortgageGuarantyInsurerUnitedStatesMortgageGuarantyTaxAndLossBonds" id="esnt_MortgageGuarantyInsurerUnitedStatesMortgageGuarantyTaxAndLossBonds" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="IncreaseDecreaseInMortgageGuarantyInsurerUnitedStatesMortgageGuarantyTaxAndLossBonds" id="esnt_IncreaseDecreaseInMortgageGuarantyInsurerUnitedStatesMortgageGuarantyTaxAndLossBonds" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="SpecialRevenueMunicipalBondsMember" id="esnt_SpecialRevenueMunicipalBondsMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="GeneralObligationMunicipalBondsMember" id="esnt_GeneralObligationMunicipalBondsMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="TaxAllocationMunicipalBondsMember" id="esnt_TaxAllocationMunicipalBondsMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
</xsd:schema>
