Amortized O(f) strongly suggests that the sum of n operations is very very close to O(n×f). I wouldn't say hashmap insertion is amortized O(1), because if you craft input that always incurs a hash collision, then n insertions is much worse than O(n). I would say that it's expected O(1), meaning that with high probability an insertion takes constant time.
Conversely, "amortized" is only a useful description when it is known that some operations will take much longer than others, yet the total time is bounded. (If you bring up amortized time, you're pretty much implying that the distribution of times is uneven, otherwise you wouldn't have mentioned it.)
For example, if you're doubling the length of an array on overflow, then I would say the amortized time of a push is O(1). It would seem weird to say that the expected time is O(1). If I wanted to be more complete, I'd say "normally a push is constant time, but when the array needs to be expanded then it's O(n). The amortized time is still constant, though."
Expected time refers to a single operation. Amortized time describes the mean time of a series of operations.