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  <xs:element id="esnt_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpensePriorYears" abstract="false" name="LiabilityForUnpaidClaimsAndClaimsAdjustmentExpensePriorYears" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="esnt_ExistingCreditFacilityMember" abstract="true" name="ExistingCreditFacilityMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="esnt_A6.250SeniorNotesDue2029Member" abstract="true" name="A6.250SeniorNotesDue2029Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="esnt_LineOfCreditFacilityAccordionFeatureIncreaseLimit" abstract="false" name="LineOfCreditFacilityAccordionFeatureIncreaseLimit" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="esnt_ShareRepurchasePlan2023Member" abstract="true" name="ShareRepurchasePlan2023Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="esnt_CommonStockNumberOfVotes" abstract="false" name="CommonStockNumberOfVotes" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="esnt_ShareholderVotingRightsOwnershipPercentageThreshold" abstract="false" name="ShareholderVotingRightsOwnershipPercentageThreshold" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="esnt_MaximumNumberOfVotesCertainShareholdersUnder95PercentShareholderProvision" abstract="false" name="MaximumNumberOfVotesCertainShareholdersUnder95PercentShareholderProvision" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="esnt_MinimumNumberOfVotesOtherShareholders" abstract="false" name="MinimumNumberOfVotesOtherShareholders" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="esnt_EssentGroupLimited2013LongTermIncentivePlanMember" abstract="true" name="EssentGroupLimited2013LongTermIncentivePlanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="esnt_VestingCriteriaAxis" abstract="true" name="VestingCriteriaAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="esnt_VestingCriteriaDomain" abstract="false" name="VestingCriteriaDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="esnt_VestingBasedOnServiceMember" abstract="true" name="VestingBasedOnServiceMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="esnt_VestingBasedOnPerformanceMember" abstract="true" name="VestingBasedOnPerformanceMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="esnt_CertainSeniorManagementMember" abstract="true" name="CertainSeniorManagementMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="esnt_CertainVicePresidentAndStaffLevelEmployeeMember" abstract="true" name="CertainVicePresidentAndStaffLevelEmployeeMember" 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-types1:domainItemType"/>
  <xs:element id="esnt_NonvestedSharesShareUnitsOrDEUMember" abstract="true" name="NonvestedSharesShareUnitsOrDEUMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="esnt_NonvestedSharesShareUnitsMember" abstract="true" name="NonvestedSharesShareUnitsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="esnt_IncentiveProgramBonusAwardFiscalYearPerformanceMember" abstract="true" name="IncentiveProgramBonusAwardFiscalYearPerformanceMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="esnt_ShareBasedCompensationArrangementByShareBasedPaymentAwardPerformancePeriod" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardPerformancePeriod" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="esnt_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardsEarnedPercentageOfTargetSharesGranted" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardsEarnedPercentageOfTargetSharesGranted" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="esnt_DividendEquivalentUnitMember" abstract="true" name="DividendEquivalentUnitMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="esnt_VestingBasedOnServiceAndPerformanceMember" abstract="true" name="VestingBasedOnServiceAndPerformanceMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="esnt_CompoundedAnnualGrowthRateThreeYearBookValueAchieved12PercentMember" abstract="true" name="CompoundedAnnualGrowthRateThreeYearBookValueAchieved12PercentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="esnt_CompoundedAnnualGrowthRateThreeYearBookValueAchieved11PercentMember" abstract="true" name="CompoundedAnnualGrowthRateThreeYearBookValueAchieved11PercentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="esnt_CompoundedAnnualGrowthRateThreeYearBookValueAchieved10PercentMember" abstract="true" name="CompoundedAnnualGrowthRateThreeYearBookValueAchieved10PercentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="esnt_CompoundedAnnualGrowthRateThreeYearBookValueAchieved8PercentMember" abstract="true" name="CompoundedAnnualGrowthRateThreeYearBookValueAchieved8PercentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="esnt_CompoundedAnnualGrowthRateThreeYearBookValueAchieved7PercentMember" abstract="true" name="CompoundedAnnualGrowthRateThreeYearBookValueAchieved7PercentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="esnt_RelativeTotalShareholderReturnAxis" abstract="true" name="RelativeTotalShareholderReturnAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="esnt_RelativeTotalShareholderReturnDomain" abstract="true" name="RelativeTotalShareholderReturnDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="esnt_ShareBasedPaymentArrangementLessThanOrEqualTo25thPercentileMember" abstract="true" name="ShareBasedPaymentArrangementLessThanOrEqualTo25thPercentileMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="esnt_ShareBasedPaymentArrangement50thPercentileMember" abstract="true" name="ShareBasedPaymentArrangement50thPercentileMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="esnt_ShareBasedPaymentArrangementGreaterThanOrEqualTo75thPercentileMember" abstract="true" name="ShareBasedPaymentArrangementGreaterThanOrEqualTo75thPercentileMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="esnt_CompoundedAnnualGrowthRateThreeYearBookValue" abstract="false" name="CompoundedAnnualGrowthRateThreeYearBookValue" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="esnt_TwoThousandTwentyFourPerformanceBasedGrantsMember" abstract="true" name="TwoThousandTwentyFourPerformanceBasedGrantsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="esnt_TwoThousandTwentyThreePerformanceBasedGrantsMember" abstract="true" name="TwoThousandTwentyThreePerformanceBasedGrantsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="esnt_TwoThousandTwentyTwoPerformanceBasedGrantsMember" abstract="true" name="TwoThousandTwentyTwoPerformanceBasedGrantsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="esnt_TwoThousandTwentyOnePerformanceBasedGrantsMember" abstract="true" name="TwoThousandTwentyOnePerformanceBasedGrantsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="esnt_TwoThousandTwentyFourPerformanceBasedVestedMember" abstract="true" name="TwoThousandTwentyFourPerformanceBasedVestedMember" 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-types1: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_AOCIAttributableToParentTaxRollForward" abstract="true" name="AOCIAttributableToParentTaxRollForward" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="esnt_StatutoryAccountingPracticesStatutorySurplusBalance" abstract="false" name="StatutoryAccountingPracticesStatutorySurplusBalance" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="esnt_StatutoryAccountingPracticesStatutoryContingencyReserveLiability" abstract="false" name="StatutoryAccountingPracticesStatutoryContingencyReserveLiability" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_StatutoryAccountingPracticesReleaseOfContingencyReserve" abstract="false" name="StatutoryAccountingPracticesReleaseOfContingencyReserve" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="esnt_AgentsNationalTitleAndBostonNationalTitleMember" abstract="true" name="AgentsNationalTitleAndBostonNationalTitleMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="esnt_NetPremiumEarnedMember" abstract="true" name="NetPremiumEarnedMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="esnt_SettlementServicesRevenuesMember" abstract="true" name="SettlementServicesRevenuesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="esnt_BostonNationalHoldingsLLCMember" abstract="true" name="BostonNationalHoldingsLLCMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="esnt_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedShortTermInvestments" abstract="false" name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedShortTermInvestments" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="esnt_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentOtherAssets" abstract="false" name="BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentOtherAssets" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="esnt_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentReserveForLosses" abstract="false" name="BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentReserveForLosses" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="esnt_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentOtherLiabilities" abstract="false" name="BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentOtherLiabilities" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="esnt_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentNetAssets" abstract="false" name="BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentNetAssets" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="esnt_VijayBhasinMember" abstract="true" name="VijayBhasinMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="esnt_MarkCasaleMember" abstract="true" name="MarkCasaleMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
</xs:schema>
